Hyundai Kona Insurance Rates
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UPDATED: Apr 26, 2024
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Estimated auto insurance rates for a Hyundai Kona are $1,204 annually with full coverage. Comprehensive costs on average $248, collision costs $466, and liability insurance costs $354. Liability-only insurance costs as little as $406 a year, with high-risk driver insurance costing around $2,608. Teenage drivers pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates by type of coverage:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Kona trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Hyundai Kona go from as cheap as $406 for liability-only coverage to a much higher rate of $2,608 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.
The price range example below illustrates how your location can change car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below details estimated Hyundai Kona insurance rates for different risk profiles and scenarios.
- The best discount rate is $692
- Drivers who choose higher $1,000 deductibles will pay around $162 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,204
- Using more expensive low deductibles for comprehensive and collision insurance will cost $1,520
- High risk drivers who are prone to accidents and violations could pay upwards of $2,608 or more
- An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,500 a year
Insurance prices for a Hyundai Kona also have a wide range based on the model of your Kona, your driving record, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $480 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Hyundai Kona insurance rates. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$118 | -9.8% |
| Alaska | $922 | -$282 | -23.4% |
| Arizona | $998 | -$206 | -17.1% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,370 | $166 | 13.8% |
| Colorado | $1,146 | -$58 | -4.8% |
| Connecticut | $1,234 | $30 | 2.5% |
| Delaware | $1,358 | $154 | 12.8% |
| Florida | $1,502 | $298 | 24.8% |
| Georgia | $1,110 | -$94 | -7.8% |
| Hawaii | $864 | -$340 | -28.2% |
| Idaho | $816 | -$388 | -32.2% |
| Illinois | $896 | -$308 | -25.6% |
| Indiana | $906 | -$298 | -24.8% |
| Iowa | $810 | -$394 | -32.7% |
| Kansas | $1,142 | -$62 | -5.1% |
| Kentucky | $1,640 | $436 | 36.2% |
| Louisiana | $1,782 | $578 | 48.0% |
| Maine | $742 | -$462 | -38.4% |
| Maryland | $992 | -$212 | -17.6% |
| Massachusetts | $958 | -$246 | -20.4% |
| Michigan | $2,086 | $882 | 73.3% |
| Minnesota | $1,008 | -$196 | -16.3% |
| Mississippi | $1,440 | $236 | 19.6% |
| Missouri | $1,068 | -$136 | -11.3% |
| Montana | $1,290 | $86 | 7.1% |
| Nebraska | $946 | -$258 | -21.4% |
| Nevada | $1,442 | $238 | 19.8% |
| New Hampshire | $866 | -$338 | -28.1% |
| New Jersey | $1,344 | $140 | 11.6% |
| New Mexico | $1,064 | -$140 | -11.6% |
| New York | $1,264 | $60 | 5.0% |
| North Carolina | $692 | -$512 | -42.5% |
| North Dakota | $986 | -$218 | -18.1% |
| Ohio | $830 | -$374 | -31.1% |
| Oklahoma | $1,232 | $28 | 2.3% |
| Oregon | $1,102 | -$102 | -8.5% |
| Pennsylvania | $1,146 | -$58 | -4.8% |
| Rhode Island | $1,602 | $398 | 33.1% |
| South Carolina | $1,090 | -$114 | -9.5% |
| South Dakota | $1,014 | -$190 | -15.8% |
| Tennessee | $1,052 | -$152 | -12.6% |
| Texas | $1,448 | $244 | 20.3% |
| Utah | $890 | -$314 | -26.1% |
| Vermont | $822 | -$382 | -31.7% |
| Virginia | $720 | -$484 | -40.2% |
| Washington | $930 | -$274 | -22.8% |
| West Virginia | $1,102 | -$102 | -8.5% |
| Wisconsin | $830 | -$374 | -31.1% |
| Wyoming | $1,068 | -$136 | -11.3% |
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Kona | $280 | $500 | $316 | $1,232 |
| 2023 Hyundai Kona | $268 | $482 | $332 | $1,218 |
| 2022 Hyundai Kona | $256 | $478 | $338 | $1,208 |
| 2021 Hyundai Kona | $248 | $466 | $354 | $1,204 |
| 2020 Hyundai Kona | $240 | $446 | $364 | $1,186 |
| 2019 Hyundai Kona | $226 | $430 | $376 | $1,168 |
| 2018 Hyundai Kona | $218 | $400 | $384 | $1,138 |
Rates are averaged for all Hyundai Kona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Hyundai Kona Insurance
Finding better rates on Hyundai Kona insurance not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around at every other renewal by requesting rates from direct companies, and also from local independent and exclusive agents.
The following is a brief recap of the concepts that were illustrated above.
- High-risk drivers who tend to receive serious violations pay an average of $1,400 more each year for Kona insurance
- Teens pay higher prices, possibly costing $375 per month if they have full coverage
- You may be able to save as much as $150 per year simply by shopping early and online
- Increasing policy deductibles could save up to $475 each year
- You may be able to save as much as $150 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,500 |
| 20 | $2,784 |
| 30 | $1,254 |
| 40 | $1,204 |
| 50 | $1,100 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,372 |
| $500 | $1,204 |
| $1,000 | $1,042 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,275 |
| 100/300 | $1,363 |
| 250/500 | $1,593 |
| 100 CSL | $1,310 |
| 300 CSL | $1,505 |
| 500 CSL | $1,647 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,426 |
| 20 | $4,430 |
| 30 | $2,666 |
| 40 | $2,608 |
| 50 | $2,486 |
| 60 | $2,464 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $85 |
| Total Discounts | $512 |
Discounts are estimated and may not be available from every company or in every state.
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